Guides / Home projects
How to finance foundation repair
Short answer: Foundation repair averages about $5,179, with most jobs between $2,224 and $8,134, and severe sinking can pass $20,000. A personal loan covers it without using home equity: about $111 a month for $5,000 at 12% APR over 60 months. Fixing it early usually costs less than waiting.
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How much does foundation repair cost?
| Job | Low | Average | High |
|---|---|---|---|
| Typical foundation repair | $2,224 | $5,179 | $8,134 |
| Severe settling or sinking | $20,000+ |
Source: >This Old House, updated October 8, 2026. Get at least two written quotes; prices vary by home and region.
Monthly payment examples
| Loan amount | 12% APR, 60 months | 25% APR, 60 months | 12% APR, 36 months |
|---|---|---|---|
| $5,000 | $111 | $147 | $166 |
| $10,000 | $222 | $294 | $332 |
| $20,000 | $445 | $587 | $664 |
Estimates assume a fixed rate equal to the APR. APRs across our network range from 5.96% to 35.99%.
When a personal loan makes sense for foundation repair
- The repair is urgent and you don't have the cash
- You don't want a lien on your home, or have little equity
- You want a fixed payment and to choose your own contractor
Lenders to compare
Checking your rate uses a soft credit pull. Accepting an offer and finishing a lender's application may lead to a hard inquiry.
Foundation repair financing questions
Does homeowners insurance cover foundation repair?
Usually not for settling or soil movement. It may cover damage from a sudden covered event. Check your policy before you borrow.
Can I get a foundation repair loan with bad credit?
Some lenders in our network work with fair credit, and secured loans may help. Rates will be higher. Pre-qualifying shows your options without affecting your credit.
How fast can I get the money?
After final approval, most lenders fund within 24 to 48 business hours.
Is a personal loan or HELOC better for foundation repair?
A HELOC may have a lower rate but uses your home as collateral and takes longer. A personal loan is faster and unsecured.